Upload Button Icon Add office photos

Bank of Baroda

Compare button icon Compare button icon Compare

Filter interviews by

Clear (1)

Bank of Baroda Credit Analyst Interview Questions, Process, and Tips

Updated 11 Oct 2024

Top Bank of Baroda Credit Analyst Interview Questions and Answers

Bank of Baroda Credit Analyst Interview Experiences

4 interviews found

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Why Bank of Baroda
  • Ans. 

    Bank of Baroda is a reputable and established financial institution with a strong presence in the market.

    • Bank of Baroda has a long history of providing reliable banking services to customers.

    • The bank has a strong reputation for its ethical practices and customer-centric approach.

    • Bank of Baroda offers a wide range of financial products and services to meet the diverse needs of customers.

    • The bank has a strong presence bo...

  • Answered by AI
  • Q2. Why wholesale Banking
  • Ans. 

    Wholesale banking offers exposure to a wide range of industries and financial products, providing a challenging and dynamic work environment.

    • Opportunity to work with diverse clients and industries

    • Involvement in complex financial transactions and structures

    • Exposure to a variety of financial products such as loans, trade finance, and treasury services

    • Opportunity for career growth and development in a fast-paced environme

  • Answered by AI

Credit Analyst Interview Questions & Answers

user image Manoj Kumar Bhattaray

posted on 10 Jul 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
More than 8 weeks
Result
Not Selected
Round 1 - One-on-one 

(2 Questions)

  • Q1. Key Ratios Cr DER ICR DSCR
  • Q2. MSME Classification, PSC Corporate Credit

Interview Preparation Tips

Interview preparation tips for other job seekers - Study in detail

Credit Analyst Interview Questions Asked at Other Companies

asked in Axis Bank
Q1. 1. what is minimum permissible banking finance 2. what do you kno ... read more
Q2. Importance of EBITDA and FCF. How to derive FCF from EBITDA?
Q3. How you check the repayment capacity of applicant?
Q4. What is the difference between Hypothecation and pledge?
Q5. What is correlation between balance sheet and profit and loss acc ... read more

Credit Analyst Interview Questions & Answers

user image harsh solanki

posted on 16 Jan 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Newspaper Ad and was interviewed before Jan 2023. There was 1 interview round.

Round 1 - Technical 

(6 Questions)

  • Q1. What is the difference between Hypothecation and pledge?
  • Ans. 

    Hypothecation is when an asset is pledged as collateral without transferring ownership, while pledge involves transferring ownership of an asset as collateral.

    • Hypothecation allows the borrower to retain possession and use of the asset.

    • In a pledge, the lender takes ownership of the asset until the debt is repaid.

    • Hypothecation is commonly used in loans for vehicles, where the lender holds the vehicle's registration paper...

  • Answered by AI
  • Q2. What did you work in your previous job in BSNL?
  • Ans. Job profile of my work as Jr. account's Officer.
  • Answered by harsh solanki
  • Q3. Are you ready to work PAN India?
  • Q4. Difference between INDAS and US GAAP?
  • Ans. 

    INDAS and US GAAP are accounting standards used in different countries.

    • INDAS stands for Indian Accounting Standards, while US GAAP stands for Generally Accepted Accounting Principles used in the United States.

    • INDAS is based on International Financial Reporting Standards (IFRS), while US GAAP is based on a mixture of IFRS and local accounting principles.

    • INDAS is used by companies in India, while US GAAP is used by compa...

  • Answered by AI
  • Q5. Ratios use in Analysis?
  • Ans. 

    Ratios are essential tools in financial analysis to assess a company's performance and financial health.

    • Ratios help evaluate a company's profitability, liquidity, solvency, and efficiency.

    • Common ratios include the current ratio, debt-to-equity ratio, return on equity, and gross profit margin.

    • These ratios provide insights into a company's ability to meet short-term obligations, manage debt, generate profits, and control...

  • Answered by AI
  • Q6. Hi!! Harsh How r you? Tell us about your self and past work done.
  • Ans. I answered M Harsh From Gujarat Told my background that CA. College complete from HLCC Gujarat Worked at BSNL and discussed my work profile
  • Answered by harsh solanki

Interview Preparation Tips

Topics to prepare for Bank of Baroda Credit Analyst interview:
  • Finance
  • Accounts Finalisation
  • Ratio Analysis
  • Balance Sheet Finalisation
  • Credit Analysis
  • Due Diligence Review
  • Cibil
  • ASM
  • Crilc
  • Net worth
  • IndAs
  • CARO 2020
  • General knowledge
  • Latest news
Interview preparation tips for other job seekers - Guys,
Chill this is not first and last interview so Be yourself.
Be confident!!
Do not window dress anything..
What ever you know tell it !!

What ever you don't know, tell it "you don't know" - simple hai so don't complicate it ever.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
6-8 weeks
Result
Selected Selected

I applied via Company Website and was interviewed in May 2023. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - Technical 

(2 Questions)

  • Q1. Tell me about your previous assigmenment
  • Q2. Technical are raised

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare well

Bank of Baroda interview questions for designations

 Credit Officer

 (7)

 Credit Manager

 (1)

 Retired Bank Manager

 (1)

 Senior Relationship Manager

 (2)

 Retired Chief Manager

 (2)

 Senior Branch Manager

 (1)

 Wealth Manager

 (1)

 Senior Underwriter

 (1)

Interview questions from similar companies

I applied via Referral and was interviewed before Dec 2019. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What products would you process with Axis Bank .?
  • Ans. 

    Axis Bank offers a range of products for processing including loans, credit cards, savings accounts, and investment options.

    • Loans such as personal loans, home loans, and car loans

    • Credit cards with various rewards and benefits

    • Savings accounts with competitive interest rates

    • Investment options such as mutual funds and fixed deposits

  • Answered by AI
  • Q2. How do you deal with your customers.?
  • Q3. Wht are the details of Business you would collect.?
  • Ans. 

    As a Credit Analyst, I would collect details about the business to assess its creditworthiness.

    • Business financial statements (income statement, balance sheet, cash flow statement)

    • Credit history and payment behavior

    • Industry trends and market conditions

    • Management team and their experience

    • Collateral and assets

    • Legal and regulatory compliance

    • Customer base and revenue streams

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - It's a nice opportunity to met with Assessment process

I applied via Referral and was interviewed in Dec 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Technical part of your related profile like in my case they asked me how you’ll fund a salary employee and similar question related to business

Interview Preparation Tips

Interview preparation tips for other job seekers - Just be yourself and answer whatever you know and be confident

I applied via Campus Placement and was interviewed in Apr 2021. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Ratios, and financial related question
  • Q2. Cirrent ratio, turnover ratio

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident. Learn all the ratio. Properly introduce yourself

I applied via Recruitment Consultant and was interviewed in Feb 2021. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Sales of the customers I was dealing with and their installed capacity
  • Ans. 

    I would gather sales data and installed capacity information of the customers to analyze their creditworthiness.

    • I would request sales data from the customers to understand their revenue generation.

    • I would also gather information on their installed capacity to assess their production capabilities.

    • This data would help me determine their creditworthiness and ability to repay loans.

    • For example, if a customer has high sales...

  • Answered by AI
  • Q2. How many proposals do I make in a month

Interview Preparation Tips

Interview preparation tips for other job seekers - Read about your existing clients in detail
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before Apr 2023. There was 1 interview round.

Round 1 - Technical 

(1 Question)

  • Q1. Golden rules of Accounting
  • Ans. 

    Golden rules of Accounting are basic principles that guide the process of recording financial transactions.

    • There are three golden rules of accounting: Debit what comes in, Credit what goes out, Debit the receiver, Credit the giver, Debit all expenses and losses, Credit all incomes and gains.

    • These rules help maintain the balance sheet and ensure accurate financial reporting.

    • For example, when a company receives cash from...

  • Answered by AI
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Company Website and was interviewed in Apr 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - Aptitude Test 

Written Entrance Exam for officer with subjects English, Logical Reasoning, Mathematics, General knowledge and Banking Awareness with Current Affairs and Computer Science. I was Selected in Merit. Got 54th Rank in Gen Category

Round 3 - One-on-one 

(2 Questions)

  • Q1. Interview was all about my Past experience and my previous job profile as I was already working in Banking Sector prior to joining in SBI. Based on my experience and satisfactory answers to the questions a...
  • Q2. What is Turnover Method? What is Second Method of Lending? How to process a Working Capital Loan? How did you canvassed Current account in your previous organisation? Why you want to Join SBI?
  • Ans. 

    Turnover Method is a method used by lenders to evaluate a borrower's creditworthiness based on their annual sales turnover.

    • Turnover Method involves calculating a borrower's credit limit based on a percentage of their annual sales turnover.

    • Second Method of Lending involves assessing a borrower's creditworthiness based on their financial statements, cash flow projections, and collateral.

    • Processing a Working Capital Loan ...

  • Answered by AI
Contribute & help others!
anonymous
You can choose to be anonymous

Bank of Baroda Interview FAQs

How many rounds are there in Bank of Baroda Credit Analyst interview?
Bank of Baroda interview process usually has 1-2 rounds. The most common rounds in the Bank of Baroda interview process are Technical, One-on-one Round and Resume Shortlist.
What are the top questions asked in Bank of Baroda Credit Analyst interview?

Some of the top questions asked at the Bank of Baroda Credit Analyst interview -

  1. What is the difference between Hypothecation and pled...read more
  2. Difference between INDAS and US GA...read more
  3. Ratios use in Analys...read more

Recently Viewed

SALARIES

Bank of Baroda

INTERVIEWS

Bank of Baroda

30 top interview questions

INTERVIEWS

Bank of Baroda

No Interviews

REVIEWS

Bank of Baroda

No Reviews

SALARIES

Capgemini

SALARIES

Capgemini

SALARIES

Axis Bank

INTERVIEWS

Bank of Baroda

No Interviews

SALARIES

Axis Bank

SALARIES

Axis Bank

Tell us how to improve this page.

Bank of Baroda Credit Analyst Interview Process

based on 4 interviews

Interview experience

4.5
  
Good
View more
Bank of Baroda Credit Analyst Salary
based on 47 salaries
₹9 L/yr - ₹22.5 L/yr
66% more than the average Credit Analyst Salary in India
View more details

Bank of Baroda Credit Analyst Reviews and Ratings

based on 8 reviews

3.3/5

Rating in categories

2.6

Skill development

2.4

Work-life balance

3.6

Salary

4.3

Job security

2.4

Company culture

2.7

Promotions

2.7

Work satisfaction

Explore 8 Reviews and Ratings
Senior Manager
367 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Manager
291 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Chief Manager
269 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Assistant Manager
262 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Credit Manager
208 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Explore more salaries
Compare Bank of Baroda with

State Bank of India

3.8
Compare

ICICI Bank

4.0
Compare

HDFC Bank

3.9
Compare

Axis Bank

3.8
Compare
Did you find this page helpful?
Yes No
write
Share an Interview